New Delhi, April 25 -- Samay went to the hospital believing his Rs.10 lakh health insurance policy would fully cover his treatment. But when he walked out with a Rs.5 lakh bill, the insurance company asked him to pay almost half of it himself. Shocked and feeling cheated, Samay sought an explanation. The insurer clarified total miscalculation occured as he opted for a room that was beyond the room rent limit specified in his policy. Here's a look at what is room rent limit, and how a hidden clause under can kill your health insurance claim?

The room rent clause is a condition in your health insurance policy that defines which room category you are eligible for during hospitalization. Modern plans categorize this as:

* General Ward - mul...